Very well put...I am new in the independent world and I could literally cry when I get stiffed. Not only am I out gas, copy money, etc...it affects my turn around time for paying clients when I try accomadate a new client. It is sicking to put forth the effort and never get paid. SOT forum has helped me beware of the compaines that aren't reputable. I agree some replies and messages are harsh...but after being stiffed for alot or even a little money I get frustrated too and this is a perfect way for all of us to vent and warn each other!